HCI Group (STU:0H5) Margin of Safety % (DCF Dividends Based): N/A (As of Jul. 18, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:0H5 HCI Group Inc STU:0H5
83 GF Score
Price €156.00
GF Value €220.49
! 2 Warning Signs
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What is HCI Group Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

HCI Group's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Dividends Based) is not calculated.

STU:0H5 vs SKWD, SLDE, STC: Margin of Safety % (DCF Dividends Based) Comparison

For the Insurance - Property & Casualty subindustry, HCI Group's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

HCI Group Margin of Safety % (DCF Dividends Based) vs Insurance Industry

For the Insurance industry and Financial Services sector, HCI Group's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where HCI Group's Margin of Safety % (DCF Dividends Based) falls into.


STU:0H5
83GF Score
HCI Group Inc STU:0H5
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Is HCI Group (STU:0H5) Overvalued in 2026?

Based on GuruFocus' analysis, HCI Group stock appears to be undervalued. The current stock price of €156.00 is trading 29.2% below its estimated GF Value™ of €220.49.

Key valuation signals for STU:0H5:

  • Margin of Safety % (DCF Dividends Based): N/A
  • GF Value™: €220.49 vs. price of €156.00 (29.2% below fair value)
  • GF Score™: 83/100 with 2 warning signs

No single metric tells the full story. See the STU:0H5 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

HCI Group Business Description

Other Exchanges HCI:USA0J22:UK0H5:Germany
Address 3802 Coconut Palm Drive, Tampa, FL, USA, 33619
HCI Group Inc is engaged in the property and casualty insurance business through two Florida domiciled insurance companies, Homeowners Choice Property & Casualty Insurance Company (HCPCI) and TypTap Insurance Company (TypTap). Both HCPCI and TypTap are authorized to underwrite various homeowners' property and casualty insurance products and allied lines business in the state of Florida and other states. The operating segments of the group are insurance operations, TypTap Group, reciprocal exchange operations, real estate operations, and corporate and other. It derives key revenue from the HCPCI Insurance operation segment.
83GF Score

Get the complete analysis for STU:0H5

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€156.00
Price
€220.49
GF Value